Florence County, WI Mortgage Lenders & HMDA Data, 2023
In 2023, lenders reported 154 mortgage applications in Florence County, WI totaling $24.6 million, down 9% from 2022. The average application was for $159,000, and applicants reported an average income of $120,000. 66% of applications resulted in an originated loan and 16% were denied. The most active lender was Covantage Credit Union, with 32 applications, followed by Incrediblebank and Nicolet National Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 154 |
| Total Mortgage Loan Application Amount | $24,610,000 |
| Average Mortgage Loan Application Amount | $159,000 |
| Highest Mortgage Loan Application Amount | $1,205,000 |
| Average Applicant Income | $120,000 |
| Highest Applicant Income | $958,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Covantage Credit Union 723 6TH AVE, PO BOX 107 ANTIGO, WI 54409 |
* | $ 2,963,887,000 | 32 | $ 2,860,000 |
| Incrediblebank 327 N 17TH AVE WAUSAU, WI 54401 |
* | $ 1,895,358,000 | 13 | $ 2,455,000 |
| Nicolet National Bank 111 N WASHINGTON ST GREEN BAY, WI 54301 |
* | $ 8,748,360,000 | 10 | $ 1,350,000 |
| Associated Bank NA 200 NORTH ADAMS STREET GREEN BAY, WI 54301 |
* | $ 39,358,786,000 | 5 | $ 975,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 805,000 |
| Fox Communities Credit Union 3401 E CALUMET STREET APPLETON, WI 54913 |
* | $ 2,693,982,000 | 4 | $ 490,000 |
| Huntington National Bank 7 EASTON OVAL EA5C242 COLUMBUS, OH 43219 |
* | $ 182,325,674,000 | 3 | $ 725,000 |
| Johnson Bank 555 MAIN STREET SUITE 490 RACINE, WI 53403 |
* | $ 6,057,275,000 | 3 | $ 415,000 |
| Community First Credit Union 1575 DRESANG WAY NEENAH, WI 54956 |
* | $ 5,156,852,000 | 3 | $ 345,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 3 | $ 575,000 |
| Old National Bank ONE MAIN STREET EVANSVILLE, IN 47708 |
* | $ 46,490,438,000 | 3 | $ 305,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 585,135,605,000 | 2 | $ 600,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 2 | $ 740,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 330,000 |
| Shoreline Credit Union 4400 CALUMET AVENUE MANITOWOC, WI 54220 |
* | $ 128,219,000 | 2 | $ 50,000 |
| Bank First N.A. 402 N 8TH ST MANITOWOC, WI 54220 |
* | $ 3,658,116,000 | 2 | $ 440,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ -1,000 | 2 | $ 390,000 |
| Ixonia Bank W1046 MARIETTA AVE IXONIA, WI 53036 |
* | $ 607,423,000 | 2 | $ 500,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 2 | $ 240,000 |
| Capital Credit Union PO BOX 2526 GREEN BAY, WI 54306 |
* | $ 2,318,949,000 | 2 | $ 500,000 |
| Laona State Bank 5308 BEECH ST LAONA, WI 54541 |
* | $ 268,555,000 | 2 | $ 360,000 |
| Range Bank 100 N FRONT ST MARQUETTE, MI 49855 |
* | $ 518,565,000 | 2 | $ 140,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 90,036,656,000 | 2 | $ 280,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 3,201,942,000,000 | 1 | $ 165,000 |
| Landmark Credit Union 5445 S. WESTRIDGE DR. BROOKFIELD, WI 53005 |
* | $ 6,153,509,000 | 1 | $ 155,000 |
| Compeer Financial 2600 JENNY WREN TRAIL SUN PRAIRIE, WI 53590 |
* | $ -1,000 | 1 | $ 155,000 |
| Flanagan State Bank 301 W FALCON HWY FLANAGAN, IL 61740 |
* | $ 274,304,000 | 1 | $ 35,000 |
| Nationwide Mortgage Bankers, Inc. MELVILLE, NY 11747 |
* | $ -1,000 | 1 | $ 75,000 |
| V.I.P. Mortgage, Inc. 9221 E VIA DE VENTURA SCOTTSDALE, AZ 85258 |
* | $ -1,000 | 1 | $ 185,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 85,000 |
| Royal Credit Union 200 RIVERFRONT TERRACE EAU CLAIRE, WI 54702 |
* | $ 4,552,579,000 | 1 | $ 205,000 |
| Wolf River Community Bank 309 E MAIN ST HORTONVILLE, WI 54944 |
* | $ 289,499,000 | 1 | $ 75,000 |
| Uw Credit Union 3500 UNIVERSITY AVE MADISON, WI 53717 |
* | $ 5,145,209,000 | 1 | $ 125,000 |
| Stephenson National Bank & Trust 1820 HALL AVE MARINETTE, WI 54143 |
* | $ 656,128,000 | 1 | $ 135,000 |
| Blc Community Bank 206 E MAIN ST LITTLE CHUTE, WI 54140 |
* | $ 360,222,000 | 1 | $ 65,000 |
| Summit Credit Union PO BOX 8046 COTTAGE GROVE, WI 53527 |
* | $ 6,224,510,000 | 1 | $ 165,000 |
| Greenstone Farm Credit Services 3515 WEST RD EAST LANSING, MI 48823 |
* | $ -1,000 | 1 | $ 115,000 |
| Premier Community Bank 230 MAVIS ROAD MARION, WI 54950 |
* | $ 446,344,000 | 1 | $ 245,000 |
| Oostburg State Bank 905 CENTER AVE OOSTBURG, WI 53070 |
* | $ 331,547,000 | 1 | $ 155,000 |
| American National Bank Fox Cities 2200 N RICHMOND ST APPLETON, WI 54911 |
* | $ 352,586,000 | 1 | $ 1,205,000 |
| Union Home Mortgage Corp. 8241 DOW CIRCLE STRONGSVILLE, OH 44136 |
* | $ -1,000 | 1 | $ 85,000 |
| Waukesha State Bank 151 E ST PAUL AVE P.O. BOX 648 WAUKESHA, WI 53187 |
* | $ 1,513,958,000 | 1 | $ 185,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 1 | $ 125,000 |
| Trustone Financial Credit Union 14601 27TH AVENUE NORTH PLYMOUTH, MN 55447 |
* | $ 4,614,668,000 | 1 | $ 85,000 |
| Thrivent Federal Credit Union SHAKOPEE, MN 55379 |
* | $ 875,403,000 | 1 | $ 305,000 |
| Verve, A Credit Union 2900 UNIVERSAL ST OSHKOSH, WI 54904 |
* | $ 1,527,709,000 | 1 | $ 245,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 1 | $ 155,000 |
| Triad Financial Services, Inc. 13901 SUTTON PARK DRIVE SOUTH, SUITE 300 JACKSONVILLE, FL 32224 |
* | $ -1,000 | 1 | $ 35,000 |
| United Wholesale Mortgage 40600 ANN ARBOR RD E STE 201 PLYMOUTH, MI 48170 |
* | $ -1,000 | 1 | $ 135,000 |
| Msu Federal Credit Union 3777 WEST ROAD EAST LANSING, MI 48823 |
* | $ 7,276,719,000 | 1 | $ 265,000 |
| Figure Lending LLC SAN FRANCISCO, CA 94108 |
* | $ -1,000 | 1 | $ 25,000 |
| Guild Mortgage Company 5898 COPLEY DRIVE SAN DIEGO, CA 92111 |
* | $ -1,000 | 1 | $ 145,000 |
| Movement Mortgage, LLC 8024 CALVIN HALL ROAD INDIAN LAND, SC 29707 |
* | $ -1,000 | 1 | $ 75,000 |
| Longbridge Financial, LLC 1 INTERNATIONAL BOULEVARD, SUITE 900 MAHWAH, NJ 07495 |
* | $ -1,000 | 1 | $ 55,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ -1,000 | 1 | $ 105,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 255,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ -1,000 | 1 | $ 245,000 |
| East Wisconsin Savings Bank 109 W 2ND ST KAUKAUNA, WI 54130 |
* | $ 270,873,000 | 1 | $ 95,000 |
| Proper Rate, LLC 1800 W LARCHMONT AVE CHICAGO, IL 60613 |
* | $ -1,000 | 1 | $ 165,000 |
| Heritage Bank NA 100 SOUTH STREET W SPICER, MN 56288 |
* | $ 457,589,000 | 1 | $ 1,005,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 156,645,099,000 | 1 | $ 245,000 |
| Kind Lending, LLC 1920 MAIN STREET SUITE 1100 & 1200 IRVINE, CA 92614 |
* | $ -1,000 | 1 | $ 175,000 |
The tables below break down 2023 mortgage applications in Florence County, WI by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Florence County, WI in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 89 | $17,485,000 | $196,000 | $1,205,000 | $147,000 | $958,000 |
| Cash-out Refinancing | 29 | $3,695,000 | $127,000 | $575,000 | $76,000 | $209,000 |
| Other Purpose | 18 | $1,340,000 | $74,000 | $215,000 | $100,000 | $325,000 |
| Refinancing | 12 | $1,820,000 | $151,000 | $1,005,000 | $79,000 | $352,000 |
| Home Improvement | 6 | $270,000 | $45,000 | $85,000 | $91,000 | $163,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 119 | $18,705,000 | $157,000 | $1,005,000 | $112,000 | $958,000 |
| Not Provided | 22 | $2,840,000 | $129,000 | $575,000 | $146,000 | $921,000 |
| Not applicable | 9 | $1,305,000 | $145,000 | $245,000 | $0 | $0 |
| American Indian or Alaskan Native | 1 | $125,000 | $125,000 | $125,000 | $48,000 | $48,000 |
| Asian | 1 | $1,205,000 | $1,205,000 | $1,205,000 | $426,000 | $426,000 |
| Black or African American | 1 | $295,000 | $295,000 | $295,000 | $203,000 | $203,000 |
| Hispanic | 1 | $135,000 | $135,000 | $135,000 | $54,000 | $54,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 130 | $20,170,000 | $155,000 | $1,205,000 | $127,000 | $958,000 |
| VA-guaranteed (Veterans Administration) | 17 | $3,525,000 | $207,000 | $575,000 | $80,000 | $209,000 |
| FHA-insured (Federal Housing Administration) | 7 | $915,000 | $130,000 | $245,000 | $71,000 | $123,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 101 | $16,555,000 | $163,000 | $1,205,000 | $126,000 | $921,000 |
| Application Denied By Financial Institution | 24 | $3,730,000 | $155,000 | $575,000 | $118,000 | $958,000 |
| Application Withdrawn By Applicant | 15 | $2,195,000 | $146,000 | $395,000 | $108,000 | $257,000 |
| Application Approved But Not Accepted | 6 | $980,000 | $163,000 | $455,000 | $79,000 | $140,000 |
| Loan Purchased By The Institution | 6 | $960,000 | $160,000 | $185,000 | $0 | $0 |
| File Closed For Incompleteness | 2 | $190,000 | $95,000 | $165,000 | $51,000 | $62,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 124 | $19,040,000 | $153,000 | $1,005,000 | $116,000 | $921,000 |
| Debt-To-Income Ratio | 13 | $2,715,000 | $208,000 | $1,205,000 | $119,000 | $426,000 |
| Credit History | 9 | $1,875,000 | $208,000 | $575,000 | $105,000 | $325,000 |
| Collateral | 4 | $600,000 | $150,000 | $265,000 | $275,000 | $958,000 |
| Credit Application Incomplete | 2 | $40,000 | $20,000 | $25,000 | $48,000 | $73,000 |
| Employment History | 1 | $175,000 | $175,000 | $175,000 | $144,000 | $144,000 |
| Unverifiable Information | 1 | $165,000 | $165,000 | $165,000 | $187,000 | $187,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Other | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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